We are following John and Jane through a typical day and explore their every day banking needs. The aim of this presentation is to showcase how modern day banking is transforming today and in the future.

1. FUTURE OF EVERYDAY BANKING
THE STORY OF JOHN&JANE DOE

2. John is walking down the highstreet
on a sunny day and sees this amazing
camera in a shop window that he
wanted to buy for many weeks.

3. HI THERE!
How are you doing?
want to buy
this great camera?
STOREHe also knows that his bank is offering a new
service that will allow him to buy the camera
instantly through an instant loan facility.

4. STOREAll John has to do is to login to the app using his
account to initiate the transaction.

5. The transaction is seamless because he can use his
near field communication (NFC) enabled device,
which allows the app to transfer the funds directly
into the merchant's account.

6. Even though John didn’t buy the camera, it is
important for John to use a bank that adds value to
his day-to-day banking needs. His bank should help
him reach his payment goals and make his life easier.
WELCOME!please login via facebook
Your name
E-mail
login

7. please enter your savings goal
600
0 ,
1 2 3
4 5 6
7 8
$
9
submit
His bank is proactively asks him how much he
wants to save, and then helps reach his saving
goals by automatically putting aside savings
based on his spending habit.
Reliability and relevance are
even more important. His
bank doesn’t interrupt his day
with notifications he doesn’t
need, but instead provides
features like fast mobile
banking that is there for him
when he needs it, and it
integrate into other services
seamlessly.

9. we have
GREAT OFFERS
for you!
close view
John’s bank also provides location-relevant
information. For example, the bank app shows him
nearby and personalized offers based on the location
he is in and on his previous purchases. These offers
are not only from the bank, but from merchants and
deal providers that are linked to the bank.

10. John’s bank already has a loyalty program with a
large list of merchants and great offers available.
Great! But offers need to be relevant to John. John
allows his bank to use his past transaction history
so they send him tailored offers every month.
WELCOME!check out these great offers!
199$
59$
999$

11. The key is data. His bank already has a lot of data
about him which they use to analyse his spending
patterns, account balance, transaction locations,
etc. That’s why John’s bank knows that he
frequently travels to Europe and offers him
anything that is applicable to his jet setting
lifestyle, such as flights or insurance packages to
European destinations. Not only that, they offer
him installment plans for the flights if he uses his
credit card too!
your bank
credit card loyalty program
50%
discount

12. John’s bank is involved at every touchpoint of the
Doe’s lives, because he always uses the bank to
make a card payment or withdraw cash. Banking
innovation makes this process even easier.
iBeacon technology allows John to eat at a
restaurant without even having to pull out his
wallet and pay.
John, like other customers, usually prefer plastic
over cash. Because of this, John has grown
accustomed to services like Uber over regular
public transportation because he doesn't have to
worry about carrying enough petty cash on his
person to get him through the day. Instead the
payment is handled automatically in the
background for him.

13. iBeaconpayment

15. your bank
credit card loyalty program | OFFERS
199$ GO 99$ GO
210$ GO499$ GO
John’s bank is present in both the physical world
and online. His bank integrates directly with other
platforms. Loyalty programs are enabled with
ecommerce functionality in order to redeem or
buy products, and the merchants are able to
receive data from the bank in order to personalize
the offers and make them more relevant.

16. your bank
credit card loyalty program | OFFERS
199$ GO 99$ GO
210$ GO499$ GO

17. shop onlineGREAT OFFERS EVERY DAY
199$ FINANCE NOW
This has opened new opportunities for his bank to
re-introduce their existing services such as short
term loans. Together with personal finance
management tools his bank advises him on a
product purchase and even checks if he can afford
it, or see what alternatives are available in the
market. Banks that truly want to help customers
manage their finances should do so
across all channels.

18. please enter your savings goal
600
0 ,
1 2 3
4 5 6
7 8
$
9
submit

19. please enter your savings goal
your savings so far
june: 300$
may: 100$
july: 150$
550$
600 $
buy instantly using
mobile credit

20. get awesome
rewards!
YOUR SCORE SO FAR
share
27500PT
Earn 10.000 PT by
referring us to your friends.
There is another opportunity for banks to gamify the
overall banking experience. Users do not only want
better user interfaces and have a better user
experience, but be rewarded for their achievements.

21. mobile payments
200$
200$
sendSending payments via Twitter, SMS, Facebook or
WhatsApp are natural for John and Jane. His bank
is planning to invest more in creating their own
solutions in order to keep the connection with the
customer going.

22. 150$
When John’s wife, Jane, needs some extra cash
she can simple call John and he sends her money
via a simple text message. Mobility is extremely
important for the young couple, but so is the
ability to transact freely. This is a challenge that
many banks face, where transfers are rather
complex to execute, especially between
different banks.

23. iBeaconpayment

24. 50$
iBeaconpayment
Sending cash and allowing customers to withdraw
at ATMs is already very popular in many developed
countries, however, a majority of underbanked
customers still remain who do not have access to
credit cards, smartphone,or online banking. There
is an opportunity to cater to these customers who
would benefit from SMS-based cash.

25. SUPERMARKET
OFFERS

26. Her mobile application processes the transaction in
the background when leaving the store, and her
payment automatically gets debited from her
account, and so there’s no need to stand in line!

27. 1x Milk 1,5$
1x Orange Juice 2,0$
1x Apple Juice 2,0$
1x Bread 1,2$
2x Cucumber 1,0$
4x Soda 3,0$
2x Pasta 4,0$
TOTAL 14,7$
Her mobile application processes the transaction in
the background when leaving the store, and her
payment automatically gets debited from her
account, and so there’s no need to stand in line!

28. iBeaconpayment

29. Social banking is another channel that banks can
explore to truly become customer-centric.
As customers spend more time either passively or
actively engaging on social networks, banking
presence online is an advantage. Sending money
through social networks is similar to sending it
through messages or email . This way Jane can send
some quick cash to her sister who is
backpacking through India.

30. Social payments are addressing needs such as
convenience, ease of use, and integration of
banking services into digital platforms. And it
makes total sense as users actively spend one hour
or more per day on social networks.
150$ 150$
send

31. you have exceeded
your monthly
electricity limit!
With the rise of the internet of things, banks can
further integrate into customers lives. By collecting
data and profiling users, banks can add value
through their own or third party services. The bank
already has information about John’s electricity
consumption based on his bills, but by integrating
this data into solutions like Google Nest, the service
could now highlight any usage and cost
deficiencies and can earn John and Jane a surprise
discount by the end of the month.
This would require information to be
more easily accessible from banks, which
can be a privacy concern. However, this
can also be an opportunity because
customers trust their bank with their data
more than other tech companies.
Therefore it is necessary for a bank to be a
gatekeeper of their customers’ data.
close view
!!!

34. Hello!
you’ve run out
of juice. should
i order more?
close view
John’s smart kitchen devices detect when
his family needs to make a trip down to
the grocery, and his bank helps in the
background to make the transactions as
easy as possible and helps with his
personal finance management by
categorizing all expenses.

35. MARCH
monthly spendings
Food 800$
Electricity 150$
Entertainment 930$
Rent
TOTAL: 2630$
SAVED: 1600$
750$
This gives John a detailed overview on
where he is spending his money.

36. Jane’s car needed an upgrade, and safety
was paramount for the Does.

37. your bank
car loans
BANK
Luckily Jane’s bank offers her a virtual
banking service. Jane browses through
car loan options and receives helpful
advice on which cars fit within her
budget. All done remotely.

38. To seal the deal, Jane’s banking
relationship manager made it all the way
to their home too!

39. CAR DEALERWith the loan approved, the Does could
pick up their new car without hassle.

40. Bank mobile branch
With the car picked up from the dealer-
ship and while driving back home, Jane
and John remembered their bank set up a
new digital branch in their favourite mall.

41. Bank mobile branch

42. APPLY FOR
OUR PREMIUM
CREDIT CARD
I need teller service
I want to speak to bank
manager
I need to deposit
a cheque
WELCOME
TO OUR BRANCH
NEED A LOAN?How can we help you?
John and Jane can use their mobile
banking app to request teller services and
access self service desks.

43. APPLY FOR
OUR PREMIUM
CREDIT CARD
NEED A LOAN?
While Jane and John love the tools their bank provides,
they still appreciate the personal interaction they can
get once in a while whenever they need. Their bank has
managed to create a perfect harmony of digital
omnichannel banking while keeping the experience as
personal as possible.

45. Download our
latest whitepaper:
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BANKING EXPERIENCE
WHAT YOU NEED TO GO TO OMNICHANNEL,
HOW TO PLAN FOR SUCCESS.
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46. !!!"#$%&%&'#(")(***+***,-./*012*3334*5.6-
THANK YOU!